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Best Jack Russell Terrier Pet Insurance of 2022

Lisa Scott

If you have a Jack Russell Terrier, chances are they’ve already become a loved member of your family. They are prone to joint issues, eye problems, and other health conditions because of their size. Keep them healthy and safe by considering quality pet insurance for expensive vet bills. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it for a Jack Russell Terrier?

Jack Russell Terrier dogs are generally considered a healthy breed. They’re known for their high energy levels and often get plenty of exercise to help them maintain a healthy weight.

Despite their excellent health, Jack Russell Terrier dogs can suffer from genetic problems, such as dental disease and periodontal disease, eye injuries and cataracts, cancer, and broken bones or fractures. Some of these issues may be covered by pet insurance if you have an accident-only or accident and illness policy. Vet bills for treating a sick Jack Russell Terrier can quickly add up and be expensive, costing up to a few thousand dollars. The cost of treatment could be substantial.

Pet insurance can provide peace of mind that your dog can be covered for the necessary treatments when it has an accident, injury, or illness.

Common health conditions for a Jack Russell Terrier

Some of the health conditions most commonly seen in a Jack Russell Terrier are:

  • Skin allergies: These can be caused by a number of things, including diet and environment. They usually show up in the form of itching, scratching, or licking at the affected area.
  • Ear infections: This happens when there’s too much moisture inside the ears, which leads to bacterial growth.
  • Heart disease: This can result from an enlarged heart (which may be congenital or caused by poor nutrition), heartworm, or other parasites that live in blood vessels near the heart.
  • Joint problems: This is due to osteoarthritis (OA) or hip dysplasia (HD). OA causes pain and stiffness, while HD causes limping on both sides of the body.
  • Eye problems: Several eye problems affect a Jack Russell Terrier, including progressive retinal atrophy, cataracts, colobomas, and corneal dystrophy.
  • Dental disorder: The overgrowth of the cheek teeth is a common dental problem in Jack Russell Terrier dogs. If left untreated, this condition can cause infection and abscesses.
  • Luxating patella: Luxating patella involves the dislocation of the knee cap, which causes pain and limping. In severe cases, surgery may be required to correct the problem.

What does pet insurance cover for a Jack Russell Terrier?

Here’s what pet insurance generally covers:

  • Illnesses: Covers illnesses ranging from minor ailments like ear infections to chronic diseases such as diabetes or inflammatory bowel disease.
  • Accidents: These include broken bones, cuts, and ingestion of foreign objects. Some plans also cover torn ligaments and cruciate ligament ruptures.
  • Accidents and injuries: This covers unexpected events, such as a dog ingesting poison or getting hit by a car. Treatment for accidents and injuries is usually covered at a higher percentage than routine care.
  • Routine care: Routine care can include any number of services such as dental cleanings, vaccinations, and heartworm prevention. This is usually an add-on option to your standard plan.

Just keep to note that pre-existing conditions are generally not covered by pet insurance companies. This means if your pet has a health issue prior to enrolling, it may not be covered.

How are pet insurance premiums determined for a Jack Russell Terrier?

Here are the factors that affect insurance premiums:

  • Location: Where you live can significantly impact your dog insurance premiums. Living in an urban area may increase the insurance premiums due to higher veterinarian costs in that speicfic location.
  • Age: If you insure your dog as a puppy, you’ll pay less over the life of your policy compared to insuring them as an adult. Also, senior pets are at higher risk in getting sick, so your premiums will be higher.
  • Gender: Neutered males typically cost less to insure than intact males because they are less aggressive or less likely to get injured by fighting with other dogs. Overall, male dogs will cost more than female dogs due to male dogs being more aggressive.
  • Deductible: This is the amount you will pay towards the vet’s bill before your insurance company kicks in. The higher the deductible, the lower the premium.

How to choose the best pet insurance plan for a Jack Russell Terrier

Here are some tips on how to choose the best pet insurance plan:

  • Check out the company’s reputation: Pet insurance companies are not all created equal. The better the company, the more likely they are to pay out when you make a claim. It’s important to see what customers think about the provider. Your vet also knows what companies are good and which ones have complaints against them from other pet owners. Be sure to include them during your research.
  • Define your needs: What does your dog need? Are you interested in covering only routine care, or do you want coverage for accidents and illnesses? Do you want the option to cover dental services, or is it important to cover alternative therapies like acupuncture? These questions can guide you on what you need covered.
  • Consider your budget: As a general rule, the younger and healthier your dog, the lower the monthly premium will be. You’ll also want to consider whether you’re willing to pay a higher deductible or prefer to have a lower reimbursement.